FHA VS Conventional loan programs in 2026 for Phelps, Ontario County, New York
In 2026, the conventional loan limit for a single-family home in Phelps, county of Ontario, NY, is $726,200, while the FHA limit is $472,030.
Use the Lendersa® Conventional loan calculator to evaluate and compare today's best rates for Conventional, FHA, and USDA loans. Determine the required income, credit, reserves, and documents to qualify. With our advanced mortgage calculator, see Conforming Conventional loans alongside USDA, FHA, and VA options, helping you to choose the right program in NY for your financial needs.
2026 Loan Limits and Down Payment Requirements in Phelps, Ontario, NY
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$726,200
3%
USDA
$336,500
0%
FHA
$472,030
3.5%
This table applies to the zip codes: 14532
Available Conventional and FHA Loan Options in Phelps, NY
At Lendersa®, our goal is to secure the best possible Conventional, USDA, or FHA loans quickly and without hassle. Choose from three starting options to find matching lenders and loan programs.
3545 South Platte River Drive, Suite A, Englewood, CO, 80110
Premier Family Mortgage buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.
selecting a mortgage company there are two options; a bank/retail lender or a broker. Big national retail lenders typically have really good marketing and fancy office buildings but someone has to pay for all that, that someone is you via higher rates and costs. Most of these companies are good companies but simply have higher overhead resulting.
Home Mortgage Lending Owner Rick Gillit has 20 Years experience in the Colorado Real Estate & Home Mortgage/Lending industry. Many like you have trusted him to walk them successfully through the Home Loan process to their "Closing". You will find that Rick Gillit is very thorough and will help you understand .
Partner Colorado Credit Union | Central Park Branch
PO Box 1346, Arvada, CO, 80001
Partner Colorado Credit Union, founded in 1931, is a member-owned, not-for profit cooperative. Simply put, we are owned and operated by members, unlike publicly-held banks who are owned by shareholders. All income after operating expenses and reserve allocations is returned to you in the form of higher dividends on savings and lower rates on loans.
4210 Wadsworth Blvd, Suite 302, Wheat Ridge, CO, 80034
Indigo Mountain Mortgage considers itself fortunate to offer a full range of loan products, including Jumbo Loans and Low Documentation Loans for people who are successful self-employed borrowers, FHA Loans, VA Loans, Conventional Loans, and Private money sources and Mountain Mortgage. Local expertise and broad real estate experience.
357 McCaslin Blvd, Suite 200A, Louisville, CO, 80027
Established in 2008, Investors Choice Funding, Inc (ICF) is a Direct Private Lending company, providing fast, reliable financing solutions to real estate investors for non-owner occupied, Single Family, Townhome, Condo, and Multi-Family investment properties.
ICF’s management team has been involved in the real estate investment
Mark Hemingway is a Colorado Mortgage Broker that is licensed and bonded with over 13 years of experience. He previously worked for a nationwide lender and brings that experience to now be able to assist with homeowners and potential buyers and their financial needs. Security Financial Services is your mortgage broker for life.
Our mission is to serve our customers with honesty, integrity, and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
MortgageLink Solutions Offering personalized mortgage solutions, fast customized quotes, great rates, & service with integrity. Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible.
